If you have an older car or what's regarded as a junk car, then paying coverage may not be worth it. Your insurance provider will probably consider the vehicle since the purchase price of repairs will probably exceed the entire value of the automobile. On the reverse side, in case that you have a more expensive car, then foregoing a liability policy for a more full coverage plan will mean that your wallet won't hurt as much if your car or truck be involved in an accident or get damaged outside of an accident. Your insurance carrier may pay to fix the vehicle rather than writing it off. What happens to your car is determined by the expense of the repairs together with your vehicle's entire value. Liability is a better choice if you're okay with paying passengers damages, your car is valued below a certain level and old, and you require a policy which meets state minimum requirements.